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SDCCU Cash Rewards Visa Platinum
SDCCU Cash Rewards Visa Platinum
- 9.99%, 12.99%, 14.99%, or 19.99% based on creditworthiness Regular Purchase APR
- 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness Balance Transfer APR
- 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness Cash Advance APR
At a Glance
The SDCCU Cash Rewards Visa Platinum, from the San Diego County Credit Union, is a no-frills cash back rewards credit card. Featuring a low, competitive APR and unlimited rewards, it’s not as flashy as some of the other cash back credit cards on the market – but its simplicity is part of its draw.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1% cash back
- Cash rewards automatically post to your account each month
- Free online banking
- $500,000 Travel Accident Insurance, Auto Rental Insurance
- Regular Purchase APR: 9.99%, 12.99%, 14.99%, or 19.99% based on creditworthiness
- Balance Transfer APR: 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness
- Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 13.99%, 16.99%, 18.99% or 23.99% based on creditworthiness
- Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $20
- You live in San Diego, Riverside, or Orange County
- You would like to earn unlimited cash rewards from everyday purchases
- You want a credit card that does not charge an annual fee
- You may carry a balance and want to save money in between billing cycles thanks to a low APR
- You would like a credit card with Visa® benefits like travel accident insurance and auto rental insurance
BrightStar Credit Union Visa Platinum Card
BrightStar Credit Union Visa Platinum Card
- 14.99% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.99% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
If you need a credit card to help you fight against your debt, the BrightStar Credit Union Visa Platinum Card may pop up on your radar. It offers features like credit limits up to $50,000, no annual or balance transfer fees, and relatively low rates and fees for everything else.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2.99% introductory APR for 12 months on balance transfers
- Low regular APR
- No annual fee
- No balance transfer fees
- Credit limits of up to $50,000
- Low cash advance and foreign transaction fees
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 2.99% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: $1 ATM Cash Advance Fee
- Foreign Transaction Fee: up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You reside or work in one of the associated Florida counties, including Broward, Miami-Dade and Palm Beach
- You want a card with low-to-no fees all around, including for foreign transactions, cash advances, and balance transfers
- You plan to open or already have a bank account with BrightStar to maximize benefits
- You have a particularly high balance to pay off and can benefit from the low regular APR and introductory rate
Amegy Bank® AmaZing Rate® Credit Card
Amegy Bank® AmaZing Rate® Credit Card
- 13.25% to 19.25% variable based on the Prime Rate Regular Purchase APR
- 13.25% variable based on the Prime Rate Balance Transfer APR
- 26.474% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% intro APR on balance transfers made in the first 12 months
- 0% intro APR on purchases for 6 months
- Low regular rate
- Savings with AmaZing Deals
- No annual fee
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 13.25% to 19.25% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 13.25% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.474% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- N/A
First Hawaiian Bank Heritage Card
First Hawaiian Bank Heritage Card
- 18% variable based on the Prime Rate Regular Purchase APR
- 18% variable based on the Prime Rate Balance Transfer APR
- 18% Fixed Cash Advance APR
- 2.99% for 8 months from account opening date Intro Purchase APR
At a Glance
The First Hawaiian Bank Heritage Card offers the lowest introductory APR of any First Hawaiian credit card. New cardholders can take advantage of this offer for eight months on balance transfers. What’s more, the same offer applies to purchases. This credit also features no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Low Introductory APR for 8 months on purchases
- Low introductory APR for 8 months on balance transfers
- Access to Mastercard® benefits
- Intro Purchase APR: 2.99% for 8 months from account opening date
- Regular Purchase APR: 18% variable based on the Prime Rate
- Intro Balance Transfer APR: 2.99% for 8 months for transfers made within 30 days from account opening date
- Balance Transfer APR: 18% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 18% Fixed
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 18%
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want a basic credit card
- You don’t want to pay an annual fee
- You would like 8 months of lower interest on purchases
- You need to transfer a balance and intend to pay it off in 8 months
First Hawaiian Bank Priority Rewards Credit Card
First Hawaiian Bank Priority Rewards Credit Card
- 18% variable based on the Prime Rate Regular Purchase APR
- 18% Fixed Cash Advance APR
At a Glance
The First Hawaiian Bank Priority Rewards Credit Card earns you one CashPoint for every dollar you spend. You can redeem your points for cash back, gift cards, merchandise, and travel. There is no cap or expiration on points. You can also transfer points to different Priority Rewards accounts. What’s more, this card features no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 1 CashPoint for every $1 you spend
- Redeem CashPoints for cash back, gift cards, merchandise, or travel
- Transfer points to other Priority Rewards accounts
- Regular Purchase APR: 18% variable based on the Prime Rate
- Cash Advance APR: 18% Fixed
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 18%
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You don’t want to pay an annual fee
- You get confused with tiered points systems
- You want to earn 1X points on all their purchases
- You don’t want caps or expirations on their points
Valley Visa® Platinum Card
Valley Visa® Platinum Card
- 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 18 months from account opening date Intro Purchase APR
At a Glance
The Valley Bank Visa® Platinum Card is a basic regional card with low APRs and an extensive introductory period; in other words, it could be the right card for handling that pesky balance you’ve been trying to get rid of or making that large purchase you’ve been considering.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% introductory APR for 18 months on purchases
- 0% introductory APR for 18 months on balance transfers
- No annual fee
- Visa protections, including car rental collision waivers and zero fraud liability
- Intro Purchase APR: 0% for 18 months from account opening date
- Regular Purchase APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from account opening date
- Balance Transfer APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You're interested in banking with a regional institution
- You want a simple card that doesn’t distract with rewards
- You can take advantage of the lengthy introductory APR
Green & Gold Visa®
Green & Gold Visa®
- 13.49% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.49% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 13.49% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Green & Gold Visa® is the lowest APR credit card offered by the USF Federal Credit Union. Cardholders can enjoy a reduced APR for 12 months along with no annual fee or balance transfer fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- USF FCU's lowest APR credit card
- No balance transfer fee
- No annual fee
- Digital wallet compatible
- Regular Purchase APR: 13.49% to 17.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 2.99% for 12 months from account opening date
- Balance Transfer APR: 13.49% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 13.49% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $30
- Return Payment Penalty Fee: Up to $25
- You value paying as little interest as possible over earning rewards on purchases
- You have recently graduated and need help affording student loan payments, specifically private or unsubsidized ones
- You already have an existing balance you would like to transfer and will do so within 90 days of opening the card
- You want the security of having a low APR after the introductory offer ends
SBI Visa® College Real Rewards Card
SBI Visa® College Real Rewards Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The SBI Visa® College Rewards Card is a flat-rate rewards card that offers great value for no annual fee. The card earns 1.5X points on every purchase, plus an easy-to-achieve introductory bonus haul of 2,500 points.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 1.5X points on everyday purchases
- 0% intro APR on balance transfers and purchases
- No cap or limit on the points you can earn, plus you have five years to redeem points for rewards
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You live or go to college in California
- You want a card that lets you offset the cost of buying textbooks over an entire semester
- You prefer a card that earns a flat rate of rewards over rotating categories
- You do't want to pay an annual fee
USF Rewards Visa®
USF Rewards Visa®
- 14.49% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.49% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.49% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The USF Rewards Visa® is a straightforward credit union rewards card with a surprising aptitude for travel – specifically, airfare bookings. An unremarkable 1X bonus rate is made up for with a moderate signup bonus and a below-average APR range.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 1X point per dollar
- No balance transfer fee
- No annual fee
- Digital wallet compatible
- Choose from 3 card designs
- Regular Purchase APR: 14.49% to 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.49% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 14.49% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $30
- Return Payment Penalty Fee: Up to $25
- You're a USF student, alumni, or faculty member
- You will spend at least $1,500 within the first 90 days
- You want rewards in the form of airfare
- You want a long-term balance transfer card
Webster Bank Visa® Secured Card
Webster Bank Visa® Secured Card
- 29.24% variable based on the Prime Rate Regular Purchase APR
- 29.24% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Webster Bank Visa® Secured Card offers cardholders a $5,000 credit limit. Applicants must submit a security deposit that will equal the amount of the credit limit. This card features one flat interest rate for all cardholders. Additionally, cardholders must pay a $35 annual fee to use this card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- One flat APR for all
- Credit limit up to $5,000
- Earn interest on your security deposit
- Get a free extra card
- Regular Purchase APR: 29.24% variable based on the Prime Rate
- Balance Transfer APR: 29.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- Minimum Deposit Required: $300
- You have poor credit or no credit
- You need to build or repair your credit
- You prefer to know what your APR will be before you apply
- You do not need a high credit limit
You've viewed 5 of 189 credit cards
What is a Fair Credit Score?
A fair credit score is a middle-ground rating, indicating that you have a decent credit history but may still need improvement. A credit score or rating is a three-digit number that reflects your creditworthiness based on your credit history. It ranges from 300 to 850, with higher scores indicating lower credit risk. An average or fair credit score typically falls within the range of 580 to 669. While it may not be the highest score possible, it still offers opportunities for securing credit and demonstrates a moderate level of financial responsibility.
Lenders consider fair credit as an average credit risk, neither excellent nor bad. With a fair credit score, sometimes called a near-prime credit score, you can access credit products such as credit cards, auto loans, and personal loans, although you may not receive the most competitive interest rates and terms.
It’s important to note that credit scores are not static and can fluctuate based on various factors, including payment history, credit utilization, length of credit history, types of credit, and recent credit applications. By understanding the components contributing to your credit score, you can take proactive steps to improve your fair credit score and open doors to better financial opportunities.
Is Average Credit Bad?
While an average credit score isn’t the worst, it isn’t good. Lenders consider people with fair credit to be subprime. Being subprime means that when applying for a credit card, you will receive higher interest rates than those with excellent credit. They may also not have access to the best rewards, balance transfer offers (including 0% intro APR or $0 balance transfer fees), and more.
However, having fair credit isn’t necessarily bad, either. Many people with a fair credit score still have access to unsecured credit cards. Unsecured cards are what people typically think of when they imagine a credit card, unlike secured credit cards, which require a deposit, which a traditional credit card does not.
While a FICO Score between 600 and 650 is considered subprime, it isn’t uncommon. According to Experian, 17% of Americans have a fair credit score on the three largest credit bureaus. Additionally, 12% of Americans have a poor credit score. This means that a third of people with a FICO score have subprime credit. With VantageScore, the average is even higher. Using their scoring method, nearly 40% of Americans have subprime credit, with 14% having an average credit score.
The Negative Impacts Subprime Credit Score
Having average or near-prime credit can significantly impact your financial well-being, resulting in potential drawbacks like:
- Difficulty obtaining new loans or credit: Individuals with fair credit scores may encounter challenges when trying to obtain loans and credit, as lenders may perceive them as higher-risk borrowers. Lenders may offer loans with higher interest rates to individuals with lower credit scores, making borrowing more expensive.
- Limited credit options: Individuals with fair credit scores may have fewer options when choosing lenders or credit cards, as some institutions may prefer borrowers with higher credit scores.
- Housing and employment headaches: Landlords and property management companies often check credit scores when considering rental applications. A fair score might result in rejections or require larger security deposits. Additionally, some employers may check credit scores during hiring, potentially impacting job prospects for people with subprime credit.
- Higher insurance premiums: Insurance companies may use credit scores to determine auto or home insurance premiums, resulting in higher insurance costs.
- Deposits for utilities: Utility companies may require larger security deposits for services such as electricity, water, or cable for individuals with fair credit scores.
Tips for Improving Your Credit Score
If you’re in the fair credit score range, don’t fret. There are actionable steps to take to improve your creditworthiness and move towards a better score:
Pay Bills on Time
Paying your credit bills and balances on time is crucial for improving your credit score. Consider setting up automatic payments or reminders to ensure you never miss your due date. Consistently making on-time payments demonstrates financial responsibility, positively impacts your creditworthiness, and can help you repair your credit profile over time.
Reduce Credit Card Balances
High credit card balances can negatively affect your credit utilization ratio and, in turn, your credit score. Focus on paying down your credit card debt and strive to keep your balances low. By doing so, you improve your credit utilization and showcase your ability to manage credit responsibly to lenders.
Limit New Credit Applications
Each time you apply for new credit, a hard inquiry is triggered on your credit report, which can temporarily lower your credit score. Minimize the number of new credit applications you submit and instead concentrate on maintaining and responsibly managing your existing card and credit accounts.
Common Features of Near-Prime Credit Cards
Credit cards designed for average credit scores in the 600s have some common features. These features include:
① Annual fees | When it comes to credit cards for average or fair credit scores, expect to pay an annual fee. Fair credit scores are usually the step between secured credit and rewards cards. Outside of proprietary cards from larger banks, expect to pay an annual fee of between $24 and $75 each year. |
② Higher APR | People with fair credit typically pay the highest interest rates. The current average APR for someone with average credit is around 26%, while those with bad credit pay around 20%.Why do those with average credit scores pay more? The reason is that most credit cards for bad credit are secured cards. Secured cards require a security deposit, and since they are easier to get than an unsecured card, they feature fixed rates to cover the entire score range that hold them. Unsecured cards offer greater risk to lenders because there is no deposit requirement. Because of this, those with fair credit pay higher interest rates. Paying your statement balance in full each month negates this high rate, however. Plus, you’ll save money on the security deposit. |
③ Lower credit limits | Credit limits for average credit are lower than those for excellent credit. Individuals with excellent credit have an average new credit line of around $10,000, while those with good credit are about $6,000. Both of these credit scores are prime, or super-prime. There are no credit cards with a $10,000 limit guaranteed for fair credit. While it may be tough to get a fair credit score credit card with a high limit, improving your credit score with on-time payments, low credit utilization, and other good habits can lead to credit line increases over time. |
④ Rewards | While not common, there are some quality rewards credit cards for people with a fair credit score. Still, better rewards and welcome bonuses come with goodr or excellent credit. |
Conclusion
Your credit score is a powerful tool that influences your financial opportunities, and a fair credit score paves the way for progress. By understanding the nuances of credit scoring, implementing strategies to improve your score, and maintaining responsible credit habits, you can unlock the secrets of fair credit scores and set yourself up for a better financial future.
Remember, your fair credit score is not a permanent label but a reflection of your credit behavior over time. Dedication, perseverance, and the right financial practices can improve your credit score and achieve financial success.
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Near-Prime Credit Cards
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